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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $159,585 | $57,073+179.6% | $85,126+87.5% | $80,925+97.2% |
| Participation rate | 67.9% | 56.4%+11.5pp | 67.5%+0.3pp | 67.7%+0.2pp |
| Annual return | 12.90% | 21.69%-8.8pp | 66.63%-53.7pp | 35.65%-22.7pp |
| Employer contribution / active EE | $522 | $1,801-71.0% | $2,731-80.9% | $2,756-81.1% |
| Participant deferral / active EE | $4,087 | $3,113+31.3% | $4,523-9.7% | $4,299-4.9% |
| Admin fee / account holder | $46,331 | $4,988+828.9% | $6,160+652.1% | $6,940+567.6% |